function fig_paper_cross(delta_grid, dWdd_app0_i, dWdd_app0_tax, D0i_grid, optfig)

if optfig.plotfig == 1
    
    [fontname,dimension,lw,folder,color,style,marker,markersize,fontsize_tit,fontsize_ax,fontsize_lab,fontsize_leg] = fn_optfig(optfig);
%     fontsize_leg = 16;
    
    f0 = figure('Units','inches','Position',[0 0 20 10]);
    
    for i = 1:5
        subplot(2,3,i)
        plot(delta_grid,dWdd_app0_i(:,i),'Color',color{1},'LineStyle',style{1},'LineWidth',lw); hold on;
        title('Welfare Change (Depositor $i$)',   'interpreter','latex','FontSize',fontsize_tit,'FontName',fontname)
        xlabel('Deposit Insurance ($\delta$)','interpreter','latex','FontSize',fontsize_lab,'FontName',fontname)
%         ylabel('$\frac{dW}{d\delta}$','interpreter','latex','FontSize',fontsize_lab,'FontName',fontname)
        grid; axis tight; box off;
        ax = gca; ax.YAxis.Exponent = 0;
        legendCell = cellstr("$D_{0}(i) = $" + " " + num2str(D0i_grid(i),'%6.2f\n'));
        legend(legendCell,'interpreter','latex','FontSize',fontsize_leg,'FontName',fontname,'Location','best')
        legend boxoff; hold off;
        
        if i == 1; ylim([-0.0001, 0.2]);    xlim([0,0.2]);
        elseif i==2; ylim([-0.0001, 0.08]); xlim([0,0.4]);
        elseif i==3; ylim([-0.0001, 0.1]);  xlim([0,1]);
        elseif i==4; ylim([-0.0001, 0.12]); xlim([0,2]);
        elseif i==5; ylim([-0.1, 0.5]);     xlim([0,5]);
        end
        
    end
    
    for i = 6
        subplot(2,3,i)
        plot(delta_grid,dWdd_app0_tax,'Color',color{1},'LineStyle',style{1},'LineWidth',lw); hold on;
        title('Welfare Change (Taxpayers)',   'interpreter','latex','FontSize',fontsize_tit,'FontName',fontname)
        xlabel('Deposit Insurance ($\delta$)','interpreter','latex','FontSize',fontsize_lab,'FontName',fontname)
%         ylabel('$\frac{dW}{d\delta}$','interpreter','latex','FontSize',fontsize_lab,'FontName',fontname)
        grid; axis tight; box off;
        ax = gca; ax.YAxis.Exponent = 0;
        %         legendCell = {'CF$(\tau)$'};
        %         legend(legendCell,'interpreter','latex','FontSize',fontsize_leg,'FontName',fontname,'Location','best')
        %         legend boxoff; hold off;
    end
    
    name = 'paper_cross';
    print(f0,'-depsc','-painters','-noui','-r600',[folder,name,'.eps'])
    
    if optfig.close == 1; close(who('f')); end
    
end
